Charlesworth & Rugg is an independent investment advisory firm registered with the SEC. Since 1976 we have specialized in managing portfolios for individual investors, corporations, retirement plans, trusts and foundations.

Disclosures and Terms of Use

Disclosures

Privacy Policy

Our Privacy Policy. Protecting your privacy is important to us. While on the website, you may provide us with certain nonpublic personal information about yourself and/or your accounts. Our policy is to keep this information strictly confidential, and to use or disclose it only as needed to provide services to you, or as permitted by law. Our privacy policy applies equally to our former clients, current clients, as well as individuals who simply inquire about the services we offer.

Information We Collect.The nonpublic personal information you provide us on the website may include information you communicate to us about yourself, such as your name, address, phone number, email address, investment objectives, financial circumstances, account transactions and holdings.

Information We Disclose.We disclose nonpublic personal information about you only to outside firms that provide necessary services for your account should you become a client of Charlesworth & Rugg, Inc., such as your account custodian or broker-dealer, or as authorized by you or permitted by law.

How We Safeguard Your Information.We restrict access to nonpublic personal information about you to those persons who need to know it or who are permitted by law to receive it. We maintain physical, electronic and procedural safeguards to protect the confidentiality of your information.

If you have any questions regarding our Privacy Policy, please contact us at (818) 340-0157.

Terms of Use

Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS OF SERVICE CAREFULLY BEFORE ACCESSING CHARLESWORTHANDRUGG.COM OR CHARLESWORTHRUGG.COM (“THE WEBSITE”). BY ACCESSING OR USING THE WEBSITE YOU AGREE TO THE TERMS AND CONDITIONS SET FORTH BELOW. CHARLESWORTH & RUGG, INC. RESERVES THE RIGHT TO REVISE THESE TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. PLEASE REVIEW THESE TERMS AND CONDITIONS WHENEVER YOU ACCESS OR USE THE WEBSITE. IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, YOU ARE NOT PERMITTED TO USE THE WEBSITE.

Introduction

Charlesworth & Rugg, Inc. is an investment advisor registered with the Securities and Exchange Commission (S.E.C.) and is located in the State of California.

Charlesworth & Rugg, Inc. is in compliance with the current filing requirements imposed upon advisors registered with the S.E.C. and by those states in which Charlesworth & Rugg, Inc. maintains clients. Charlesworth & Rugg, Inc. may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For information pertaining to the registration status of Charlesworth & Rugg, Inc., please contact the S.E.C. or the state securities law administrators for those states in which Charlesworth & Rugg, Inc. maintains a notice filing.

Nothing contained in this Website should be construed as a solicitation to offer or recommendation to buy or sell any security, or as an offer to provide advisory services in any jurisdiction where such a solicitation or offer would be unlawful under the securities laws of that jurisdiction.

A copy of Charlesworth & Rugg, Inc.’s current written disclosure statement, Form ADV Part II, describing Charlesworth & Rugg, Inc.’s business operations, services and fees is available from Charlesworth & Rugg, Inc. upon written request, as is a copy of our Privacy Policy.

Charlesworth & Rugg, Inc.’s Website is limited to the dissemination of general information pertaining to its advisory services and access to periodic Charlesworth & Rugg, Inc. newsletters.

Charlesworth & Rugg, Inc. does not take any responsibility for or make any representations or warranties regarding the accuracy, timeliness, suitability, completeness, or relevance of any information on the Website prepared by Charlesworth & Rugg, Inc. All such information is provided solely for convenience purposes and all users of this information should be guided accordingly.

Charlesworth & Rugg, Inc.’s Liability

Although Charlesworth & Rugg, Inc. strives to ensure that the information contained in this Website is accurate and reliable, we make no representations or warranties regarding the accuracy, reliability, completeness or timeliness of any content or about the results to be obtained from using the Website or any of the content. Changes are periodically made to the Charlesworth & Rugg, Inc. Website and may be initiated at any time without notice.

Charlesworth & Rugg, Inc. does not warrant that its Website will operate without errors or that the Website and its servers are free from computer viruses or other harmful content. By using this Website or its material you agree that Charlesworth & Rugg, Inc. is not responsible for any damage to your equipment or data that may result.

CHARLESWORTH & RUGG, INC.’S WEBSITE IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESSED OR IMPLIED. WE SPECIFICALLY DISLCAIM ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND THE WARRANTY OF FITNESS FOR ANY PARTICULAR PURPOSE. CHARLESWORTH & RUGG, INC. MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, VIDEOS OR LINKS CONTAINED IN ITS WEBSITE.

Neither Charlesworth & Rugg, Inc. nor any other third party involved in creating, producing or delivering the Website shall be liable for (1) any loss or injury caused by its actions, omissions or negligence involved with procuring, compiling or delivering any information to the Website; (2) any errors, omissions, inaccuracies or delays, regardless of how they are caused; (3) any decisions made or actions taken or not taken in reliance upon the information presented on the Website; (4) any damages or injury resulting from your access to the Website including, but not limited to, computer equipment, data, databases, communication line failures, computer viruses or inability to access the Website; (5) any direct, incidental, consequential, indirect, or punitive damages or losses whether in contract, tort or otherwise arising from access or use of the Website. You use the Website at your own discretion.

Indemnification

By using this Website you agree to defend, indemnify and hold harmless Charlesworth & Rugg, Inc. and its respective officers, members, directors, employees, and affiliates from and against any claim, action or demand, including without limitation reasonable legal and account fees, resulting from the use of this Website or from any breach of its Terms and Conditions.

Not an Offer

The information contained in the Website should not be considered as a solicitation, recommendations or advice by Charlesworth & Rugg, Inc. to buy, sell, or continue to hold any security or other investment or take any specific action regarding any tax matter. This information may not be appropriate for you. It is important for you to consider this information, and any other information in the context of your own circumstances and preferences, including, but not limited to, your own investment needs and objectives, including risk tolerance, investment objective, tax circumstances, time horizon and income requirements. Information included in the Website has been obtained from sources believed to be reliable and is solely for informational purposes. Any expressions of opinions are subject to change at any time without notice.

By accessing this Website you acquire absolutely no rights or license in or to the information contained within the Website other than the limited right to use the information in accordance with the Terms and Conditions.

Electronic Mail

Electronic mail submitted to this Website should be considered neither secure nor confidential. Charlesworth & Rugg, Inc. makes no representation whatsoever concerning the security or confidentiality of your electronic messages and specifically makes no representation that any electronic messages submitted through this Website will be received by Charlesworth & Rugg, Inc.

Privacy Policy

Charlesworth & Rugg, Inc.’s use of any personal data you submit to the Website is governed by the Charlesworth & Rugg, Inc. Privacy Policy, which is available in the section above.

Jurisdiction

The Agreement formed by your acceptance of these Terms and Conditions of use (as evidenced by your use of this Website) shall be governed by and construed in accordance with the laws of the State of California.